The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,204
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,335
−HK$132/mo
Today · 4.125%
HK$4,467
baseline
▲ 0.50% · 4.625%
HK$4,739
+HK$272/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$8,934/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,677
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,802
−HK$127/mo
Today · 4.125%
HK$4,929
baseline
▲ 0.50% · 4.625%
HK$5,189
+HK$260/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$9,858/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,045
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,202
−HK$159/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$326/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,722/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,612
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$152/mo
Today · 4.125%
HK$5,915
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$312/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,830/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,885
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$186/mo
Today · 4.125%
HK$6,254
baseline
▲ 0.50% · 4.625%
HK$6,635
+HK$381/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,508/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,547
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$178/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,265
+HK$364/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,802/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,567
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$239/mo
Today · 4.125%
HK$8,041
baseline
▲ 0.50% · 4.625%
HK$8,531
+HK$490/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,082/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,418
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$229/mo
Today · 4.125%
HK$8,873
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$468/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,746/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).